Kev,
My thoughts on the subject:
1.
If you are thinking of installing the overdrive for fuel mileage alone, it is absolutely not worth it. I haven't done the math, but I suspect that James is correct that it would take 400,000 miles to pay for itself, and that assumes that you will actually see better mileage.
I have also done some informal testing with my computer. I agree with Larry that the reason you see better mileage at lower RPM's is due to the lower speed, not the lower RPM's. Check it out for yourself. Drive at 45 or 50 in fifth gear and note the mileage. Then shift to sixth and drive the same speed. You will be turning lower RPM's, of course, but your mileage will not differ by any significant amount.
In my own experience, the largest (by far) single factor in fuel mileage is the speed I drive. (Assuming the same load on the truck. ) I don't think that the unit will save even 1 mpg.
I just intstalled my U. S. Gear overdrive, so I don't have fuel mileage figures yet, but before the installation it I was getting anywhere from 16. 5 to 19. 0 mpg. The average was probably closer to 18. 0 to 18. 5 mpg. I doubt that the overdrive will improve on this.
2.
You say you are towing about 9000 pounds now. I have towed a 14,000 pound fifth-wheel with my 1995 truck with 3. 54 gears and automatic transmission. I don't like to do it, but it tows it.
That truck, however, is a 12 valve. I haven't towed the fifth-wheel any great distance with my 2000 ISB six-speed, but I am positive that it would have no difficulty with that load. It also has 3. 54 axles.
If you are really after higher gears, I think you can safely go with a 3. 54 axle for a lot less money than the U. S. Gear unit will cost you, especially since you have to switch just one axle.
It's true that you will increase the torque load on all the upstream components as Rusty states, but my truck seems to handle similar loads just fine. Note that although the loads will be lower with your stock 4. 10 ratio, the parts will turn about 6% more revolutions per mile. This may increase wear on those parts to more than what would be experienced at lower torque.
3.
The 24 valve engines have a much wider power band than the 12 valves. This means that you don't need such close gears to be able to accelerate with a heavy load or uphill. Add to this the six-speed transmission, with its excellent gear ratios, and you have a very good combination right from the factory.
If you want to split gears and can afford the overdrive unit, by all means get one. Whether or not you NEED it is another issue.
4.
I installed mine because I enjoy accessorizing my truck and because I can afford it. That is not the same as saying that I can justify it.
I am looking forward to cruising empty at 70 mph with RPM's of about 1700. Mostly, though, I wanted to be able to split the gears. There are occasions when I needed a gear between 3rd and 4th, or between 4th and 5th while pulling a trailer uphill. There are other times, even empty, when it would be nice to have a half-gear to get to a more comfortable RPM.
These are convenience issues, however, not necessities.
5.
There is a lot more to the installation than meets the eye. If you are good at solving your own mechanical problems, possibly including shortening your plastic fuel tank, and drive shaft modifications, you can do this yourself. Otherwise, consider having the installation done. Realize that even a professional installer may not get it right the first time.
6.
I haven't driven with my unit long enough to give very meaningful comments beyond those above, but I think that the overdrive ratio could be better, especially for our six-speeds. The ratios are more suitable for the five-speed transmission.
By this I mean that the U. S. Gear overdrive will split gears pretty well up to fifth. Fifth-over (Fifth gear on the transmission with the U. S. Gear unit in overdrive) is too close to sixth-direct. The step from sixth-direct to sixth-over is a large one, almost the equivalent to a full gear change rather than a half.
7.
On my truck, cruise control will not work in sixth-over.
8.
Rusty hit the nail on the head: "Ya pays yore money and ya takes yore choice. "
If you get it you'll like it. Whether it's worth the money or not is entirely up to you.
Loren